The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,022
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$728/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$697/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$873/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$836/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,234
−HK$1,018/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,336
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,818
−HK$976/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,440
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,729
−HK$1,310/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,718
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,078/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,102
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,254/mo
Today · 4.125%
HK$48,592
baseline
▲ 0.50% · 4.625%
HK$51,154
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,184/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,613 · Scale 2, in force from 26 Feb 2026)